Homeowners Policy (HO)Question 102 of 474
Which homeowners form is the most commonly written policy for an owner-occupied single-family dwelling in California?
a.HO-4 Tenant Form
b.HO-2 Broad Form
c.HO-3 Special Form
d.HO-8 Modified Form
Explanation
HO-3 is the standard owner-occupied form. It insures the dwelling and other structures on an open-perils basis and covers personal property on a named-perils basis, giving most homeowners the right balance of price and coverage.
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Related questions on this topic
- Which homeowners form provides open-perils coverage on BOTH the dwelling AND personal property?
- A college student rents an apartment and wants to insure her electronics, clothing, and personal liability. Which form is appropriate?
- Which homeowners form is specifically designed for older homes where the market value is far below the replacement cost?
- Under a standard HO-3 policy, the limit for Coverage B (Other Structures) is what percentage of Coverage A (Dwelling)?
- On a standard HO-3 policy, the Coverage C (Personal Property) limit is typically set at what percentage of Coverage A?
- Coverage D on a homeowners policy primarily reimburses the insured for which of the following?
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